Worcester County and Gardner City property record for 45 Talcott Ave, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,247 sqft · built 1920 |
| Lot Size | 0.349 acres (15,201 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $35,000 (Jul 2025) |
| Tax Bill | $3,433 (2026) |
| Deeds & Mortgages | Jul 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-17 B:0014 L:0013 |
| Primary APN | M:M-17 B:0014 L:0013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,247 sqft Living Area |
| Gross Area | 2,808 sqft |
| Basement Area | 690 sqft |
| Unfinished Basement | 690 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,201 sqft (0.349 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 TALCOTT AVE |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 13 |
| Legal Lot Number | 13 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 FENNO DR, WESTMINSTER, MA 01473-1401 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2025 · Amount on Record |
| Deed Sale | Jul 23, 2025 · Amount on Record |
| Deed Book / Page | 72296 / 98 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 23, 2025 |
| Property Address | 45 TALCOTT AVE, GARDNER, MA 01440-2835 |
| Document Number | 0072296-98 |
| Book / Page | 72296 / 98 |
| Instrument Date | Jul 23, 2025 |
| Instrument | 60836 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 FENNO DR, WESTMINSTER, MA 01473-1401 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,433.00 (+10,303.03%) | $249,300 (+8.44%) Land $67,000 Building $182,300 | $298,847 (+2.63%) |
| 2025 | $33.00 (-98.98%) | $229,900 (+6.88%) Land $60,900 Building $169,000 | $291,175 |
| 2024 | $3,224.00 | $215,100 Land $55,400 Building $159,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 99 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
5G and 4G LTE (outdoors only)
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